It is easy for people to download fake W2s, ESA paperwork, etc, with a few mouse clicks and a credit card. 

Yes first-time buyer DSCR is actually fairly common, especially here in Southern MI. 

Quote from @Cari Sweet:  This sounds like a case for Fair Housing- Familial Status discrimination. 

I love my CPA just wondering about what a fair price is for a CPA to do our taxes.

I cannot, in good conscience, support a mentorship program that fails to prioritize the well-being and fair treatment of its employees.

But you want your policies to be fairly firm. 

Take out an equity line of credit on the property that can be sides as the down payment for the primary residence.

Go wtih what works - but intelligently.We offer a free month of rent, but to avoid desperate people, we credit 50% towards their 2nd month (to make sure they can afford 1st month rent + SD) and then credit the other 50% the 5th month.

They could even hire you to do the work on the house and instead of paying you they could just give you a credit at closing.

The only example I can think of is that I asked an applicant questions about their credit report.